Call reports 2019
CHARTER BANK — 2019
What CHARTER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 277,439,000 | 288,190,000 | 299,400,000 | 294,632,000 |
| Total loans | 157,595,000 | 164,986,000 | 171,975,000 | 171,467,000 |
| Allowance for loan losses | 2,815,000 | 2,818,000 | 2,816,000 | 2,814,000 |
| Securities available for sale | 110,843,000 | 112,526,000 | 113,951,000 | 112,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,677,000 | 236,530,000 | 246,591,000 | 235,003,000 |
| Interest-bearing deposits | 124,697,000 | 134,502,000 | 140,616,000 | 134,813,000 |
| Noninterest-bearing deposits | 102,980,000 | 102,028,000 | 105,975,000 | 100,190,000 |
| Equity capital | 29,783,000 | 31,295,000 | 31,707,000 | 31,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,494,000 | 9,337,000 | 14,098,000 | 18,942,000 |
| Interest expense | 365,000 | 727,000 | 1,030,000 | 1,368,000 |
| Net interest income | 4,129,000 | 8,610,000 | 13,068,000 | 17,574,000 |
| Noninterest income | 698,000 | 1,210,000 | 1,721,000 | 2,816,000 |
| Noninterest expense | 2,368,000 | 4,824,000 | 7,388,000 | 9,984,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,459,000 | 4,996,000 | 7,401,000 | 10,406,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,459,000 | 4,996,000 | 7,401,000 | 10,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,668,000 | 26,670,000 | 26,671,000 | 26,673,000 |
| Total capital | 28,953,000 | 29,052,000 | 29,162,000 | 29,097,000 |
| Risk-weighted assets | 182,257,000 | 190,123,000 | 198,950,000 | 193,530,000 |
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